Loans - Rates & Charges

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Retail

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Consumer Loans

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Eco Solutions

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Housing Loans

Business Banking

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Working Capital Financing

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Fixed Installations and Equipment Financing

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Other Loans

Corporate Banking

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Working Capital Financing

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Fixed Installations and Equipment Financing

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Consumer Loans

Loan Interest Rate

(plus charge under law 128/75) Charges Comments

REWARD Floating 12.409% One-off operating and

maintenance charge: €175 (*)

Good loan repayment is rewarded with an interest rate discount of 0.25% every

six months. The discount is offered up to 12 times.

Overdraft Facilities Floating 12.50% Free of charge Overdraft facility through

current account.

“STUDENT LIFE” Floating 9.909% One-off operating and

maintenance charge: €175 (*)

Option for a 12-month interest-bearing grace period

by paying each month only the interest.

Overdraft Facilities for

“STUDENT LIFE” Floating 10.50% Free of charge

Option for overdraft facility through the “STUDENT LIFE”

account.

PERSONAL LOAN BACKED BY

MORTGAGE PRENOTATION Floating 6.409%

One-off operating and maintenance charge: €175 (*)

The applicable fees for legal review of title deeds, technical

review of property and Court decision on registration of mortgage prenotation, as listed

in Housing Loans – Charges.

Loan to help you meet your personal needs using your

property as collateral.

(*) A loan review fee of €15 is collected at the time the request is submitted.

If the loan is approved, the said fee is deducted from the one-off operating and maintenance charge for the loan, where applicable.

Debt consolidation/relief products (consumer loans and credit cards)

WEIGHT OFF YOUR SHOULDERS WITHOUT COLLATERAL Floating 3Μ Euribor + fixed margin of 8%

Charge for reviewing request to amend loan terms: €175

Debt consolidation for consumer loans and credit

cards issued by NBG. Good loan repayment is rewarded with an interest rate discount of 0.50% every

six months. The discount is offered up to 12 times.

WEIGHT OFF YOUR

SHOULDERS WITH COLLATERAL Floating

3Μ Euribor + fixed margin

from 4%

Charge for reviewing request to amend loan terms: €75 (**) The applicable fees for legal review of title deeds, technical

review of property and Court decision on registration of mortgage prenotation, as listed

in Housing Loans – Charges.

Debt consolidation for consumer loans and credit

cards issued by NBG.

(**) In the case of loans with collateral, and provided the customer is at the same time included in a respective housing loan package, the relevant charge applying to housing loans (€150 for consolidation/relief products) will be collected instead of the above amount.

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Retail – Consumer Loans

Consumer Loans - Remarks

1. Charge under law 128/75: The above interest rates are subject to the charge under law 128/75 (0.60%), apart from exceptions such as permanent residents of islands with population less than 3,100 (as per Law 2703/99).

2. Floating interest rate on fixed-term loans: This rate is calculated as the sum of the Consumer Credit Base Rate - CCBR, (from 30/09/2015: 8.909%), plus the special fixed-rate margin, which differs depending on the type of loan. The CCBR is subject to quarterly revision in line with any change in the 3-month Euribor carried out on the last day of each calendar quarter. Such change shall apply to loans immediately, irrespective of their interest accrual rate.

Weight Off Your Shoulders - dues with NBG: The three-month (3M) interbank rate on Euro deposits, as it stands two (2) business days before the commencement of the interest period of each instalment. If the 3M Euribor rate is lower than the ECB intervention rate, the latter will be regarded as the reference rate.

3. Euribor 3M Reference Rate: Euribor rates and historical data can be consulted via the Internet at www.euribor-ebf.eu.. The same information can also be seen in the BoG Bulletin of Conjunctural Indicators on the website of the Bank of Greece

(www.bankofgreece.gr), as well as on NBG’s website (www.nbg.gr). The current Euribor 3M Reference Rate is also published in the daily financial Press.

The ECB Intervention Rate: This is the effective, minimum bid rate of the ECB for Eurosystem refinancing operations. This reference index, along with its historical rates can be readily viewed on the webpage of the European Central Bank and on the website of the Bank of Greece (www.bankofgreece.gr). The current ECB Intervention Rate is also published in the daily financial Press.

4. Floating interest rate on overdraft facilities: The Bank is entitled to adjust its interest rates each time the ECB’s Intervention Rate changes. The adjustment cannot exceed the equivalent change in the ECB’s Intervention Rate and may be carried out either immediately (with every change of the ECB’s Intervention Rate) or accumulated for the sum of the last change of ECB’s Intervention Rate and the change before that.

5. Calculation of consumer credit loan interest:

- Fixed-term loans: To calculate interest, the year is divided into 12 equal periods, i.e. 12 equal months, and each month is assumed to have 30.4166 days.

- Overdraft: To calculate interest, 1 month equals 1/12 of the year, 1 week equals 1/52 of the year and 1 day equals 1/365 of the year. 6. Debt in arrears: In respect of principal, interest and charges, debt in arrears is subject to the highest default rate, as applicable (currently 2.5 points over the contractual rate applicable) plus charges under law 128/75.

7. Special offers for deposit account holders:

- Account holders of “Salary Plus” and “Professional Plus” are entitled to a 15% discount on the floating rates applying to our “REWARD”, “WEIGHT OFF YOUR SHOULDERS for NBG debts (without collateral)” and Overdraft facilities. Moreover, beneficiaries of “Professional Plus” are also entitled to a 30% discount on the handling and operating charges applicable to REWARD.

- Any favourable pricing policy (regarding interest rate, fees etc.) applying to salary deposit accounts and account-linked products and/or benefits in connection with identical or similar products and/or benefits, shall be applicable for as long as the account continues to be credited with payroll or pension funds.

8. Account statements sent to the communication address of the Customer: - quarterly, contractual: free of charge

- monthly (upon customer’s request): €0.90/month

The above charges do not apply in cases where, under the contractual terms, the statement is sent on a more frequent basis than quarterly. 9. Special charges for products refinancing consumer credit dues (consumer loans and credit cards):

- Charge for reviewing request to amend loan terms for debt consolidation/repayment facility products: €175 for loans without collateral, €75 for loans with collateral (***).

- Charge for reviewing request to amend loan terms for debt restructuring products: €90 for loans without collateral, €75 for loans with collateral (***).

- Charge for reviewing request to amend loan terms for debt settlement products: €90 for loans without collateral, €100 for loans with collateral (***).

Note: The above mentioned special charges for debt settlement products do not apply to the unemployed applicants.

(***) In the case of loans with collateral, and provided the customer is at the same time included in a respective housing loan package, the relevant charges applying to housing loans (€150 for consolidation/repayment facility products, €150 for restructuring products, and €200 for settlement products) will be collected instead of the above amounts.

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Eco Solutions

Loan Interest Rate

(plus charge under law 128/75) Charges Comments

Green Loan Floating 8.909%

One-off operating and maintenance charge:

€87,50 (*)

For energy improvements at home or purchase of a new hybrid-technology car.

PHOTOVOLTAIC HOME

Without collateral Floating

3Μ Euribor + fixed margin of 8.50%

Free of one-off operating and maintenance charge (*)

For the purchase and installation of a PV solar-energy system under the “Special Development Programme of PV systems

up to 10 KWp” by the Hellenic Public Power

Corporation (DEI)

PHOTOVOLTAIC HOME

With collateral Floating

3Μ Euribor + fixed margin of 5.00%

Free of one-off operating and maintenance charge (*) The applicable fees for legal

review of title deeds, technical review of property and Court decision on registration of mortgage prenotation, as listed in Housing Loans – Charges. (*) A loan review fee of €15 is collected at the time the request is submitted.

If the loan is approved, the said fee is deducted from the one-off operating and maintenance charge for the loan, where applicable.

ESTIA - GREEN HOME

5 – 30 years Floating

3Μ Euribor + fixed margin from 2.20%

(depending on the reasoning stated in the

loan request and the energy profile of the

building)

One-off charges for review and approval of loan requests: €245 (^) (^^)

For the purchase or construction of an

energy-efficient home or for energy improvements at

home.

(^)Beneficiaries of the following accounts are entitled to a discount: i)“Family Fast”, “Professional Plus”, “Farmers Plus”, “Salary Plus” and other similar salary accounts : 30%) ii) )“Salary Intermediate’’ : 40% and iii) )“Salary Advanced’’ : 50%.

(^^) In the case of loans secured by real assets, besides the one-off charge for review and approval of the loan request, certain other applicable fees (for legal review of title deeds, technical review of property and Court decision on registration of mortgage prenotation) are also collected, as listed in section Housing Loans – Charges.

ENERGY EFFICIENCY IN HOUSEHOLD BUILDINGS

(Incentive class Α1, Α2 and Β)

Fixed 4.93% Free of charge

Loan for renovation, jointly with ETEAN SA. The interest rate is subsidized 100%

(until 31/12/2015) by ETEAN S.A.

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Retail

Eco Solutions – Remarks

1. Charge under law 128/75: The said interest rates are subject to the charge under law 128/75, apart from exceptions such as permanent residents of islands with a population of less than 3,100 (as per Law 2703/99).

- Interest rates of ESTIA – GREEN HOME, Photovoltaic Home and Energy Efficiency in Household Buildings are subject to a charge under law 128/75, currently 0.12%.

- The interest rate of Green Loan is subject to a charge under law 128/75, currently 0.60%.

2. 3Μ Euribor. ESTIA-GREEN HOME: The 3-month interbank rate in Euro, as it stands two (2) business days before commencement of the interest-posting period of each instalment. If 3Μ Euribor is lower than the ECB intervention rate, then the ECB intervention rate shall apply. Photovoltaic Home: The 3-month interbank rate in Euro, as it stands two (2) business days before the disbursement date. The contractual interest rate is subject to adjustments on the last day of each quarter starting from the disbursement date. To calculate the interest rate, the price of the said index is taken into account, as it stood two business days before the said adjustment date.

- Euribor rates and historical data can be viewed at www.euribor-ebf.eu, the Bank of Greece Bulletin of Conjunctural Indicators on the website of the Bank of Greece (www.bankofgreece.gr), and on NBG’s website (www.nbg.gr). The current 3M Euribor is also published in the daily financial press.

3. ECB Intervention Rate: the effective, minimum bid rate of the European Central Bank for Eurosystem refinancing operations. This reference index, along with its historical rates can be viewed on the webpage of the European Central Bank and on the website of the Bank of Greece (www.bankofgreece.gr). The current ECB Intervention Rate is also published in the daily financial press.

4. Calculation of housing loan interest: To calculate interest, the year is divided into 12 equal periods, i.e. 12 equal months, and each month is assumed to have 30.4166 days.

5. Debt in arrears: In respect of principal, interest and charges, debt in arrears is subject to the highest default rate, as applicable (currently 2.5 points over the contractual rate applicable) plus charges under law 128/75.

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Housing Loans (in Euro)

**Non-subsidized - Fixed initial rate (*)**

Loan Nominal Annual Interest Rate

(plus charge under law 128/75)

Loan amount / term

ESTIA 3 PRIVILEGED

Fixed rate for 3 years 5.25%

From €10,000 10 – 30 years Floating for the remaining loan term 3Μ Euribor +

fixed margin from 3%

(*) The said fixed rates apply in the case of housing loans for up to 50% of the market value of the mortgaged property.

Non-subsidized - Floating rate

ESTIA MIXED Floating 3Μ Euribor +

From €10,000 10 – 30 years - Instalment protection for 2nd to 6th year of the loan.

- Option to postpone payment of an instalment, from the 2nd year onwards.

ESTIA PRIVILEGED Floating 3Μ Euribor +

From €10,000 up to 30 years

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Retail

Housing Loans (in Euro)

**Subsidized - Fixed initial rate (*)**

SUBSIDIZED BY THE GREEK STATE

Fixed for the first year 4.75%

16 – 30 years Floating for the remaining loan term 3Μ Euribor +

FARMERS ESTIA 10 PRIVILEGED SUBSIDIZED BY THE GREEK STATE

HERITAGE – CONSERVATION BUILDINGS ESTIA 3M

Fixed rate for 3 years 5.25% _{Up to €100,000}

Up to 25 years Floating for the remaining loan term 3Μ Euribor +

(*) The said fixed rates apply in the case of housing loans for up to 50% of the market value of the mortgaged property.

Subsidized - Floating interest rate

Loan amount / term FARMERS ESTIA PRIVILEGED

SUBSIDIZED BY THE GREEK STATE Floating

3Μ Euribor +

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Housing Loans - Remarks

1. Charge under law 128/75: The above interest rates are subject to the charge under law 128/75, apart from exceptions such as permanent residents of islands with a population of less than 3,100 (as per Law 2703/99).

2. 3Μ Euribor: The 3-month interbank rate in Euro, as it stands two (2) business days before commencement of the interest-posting period of each instalment. If 3Μ Euribor is lower than the ECB intervention rate, then the ECB intervention rate applies.

- Euribor rates and historical data can be viewed at www.euribor-ebf.eu, the Bank of Greece Bulletin of Conjunctural Indicators on the website of the Bank of Greece (www.bankofgreece.gr), and on NBG’s website (www.nbg.gr). The current 3M Euribor is also published in the daily financial press.

4. Calculation of housing loan interest: To calculate interest, the year is divided into 12 equal periods, i.e. 12 equal months, and each month is assumed to have 30.4166 days.

5. Partial or total loan repayment:Early repayment in all or in part is subject to a penalty charge consisting of 6-month interest on the loan principal repaid early during the fixed rate term, and free of charge during the floating rate term.

6. Debt in arrears: In respect of principal, interest and charges, debt in arrears is subject to the highest default rate, as applicable (currently 2.5 points over the contractual rate applicable) plus charges under law 128/75.

7. Special offers in Housing Loans:

- Beneficiaries of : i) “Family Fast”, “Professional Plus”, “Farmers Plus”, “Salary Plus” and other similar salary accounts are entitled to a 30% discount on the “one-off charges for review and approval of loan request” (see section Housing Loans – Charges. ii) “Salary Intermediate” are entitled to a 40% discount on the “one-off charges for review and approval of loan request” (see section Housing Loans – Charges and iii) “Salary Advanced” are entitled to a 50% discount on the “one-off charges for review and approval of loan request” (see section Housing Loans – Charges. In addition, the same beneficiaries can be granted a non-subsidized housing loan at a special rate margin.

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Retail

Housing Loans - Charges

1. One-off charge for review and approval of loan request

(for non-subsidized loans and for subsidized loans only by the Greek State): €490 I. For beneficiaries of “Family Fast”, “Professional Plus”, “Farmers Plus”, “Salary Plus” and

other similar salary accounts (30% discount on the charges under 1) €343 II.For beneficiaries of “Salary Intermediate” (40% discount on the charges under 1) €294 III.For beneficiaries of “Salary Advanced” and other similar salary accounts (50% discount on

the charges under 1) €245

Notes:

a) Breakdown of the above charge (€490): €150 for investigating borrower creditworthiness (checking tax data, subscription fees to services for access to debt information databases etc.), €150 for initial determination of property value (investigation through fair value tables, real estate agents network, database maintenance), and €190 for final approval (preparation of offer and contracts, investigation of guarantors, funds blocking prior to final disbursement). The said charge is not included in the final rate because it is not linked to the loan term.

b) This charge is collected in aggregate for a number of requests concurrently reviewed with respect to the same property, otherwise per individual loan.

2. Legal review of title deeds: Lawyers’ fees + VAT (*)

(*) For example, for investigation of titles per property: €43 + VAT

3. Technical review of property: Engineers’ fees + VAT (**)

(**)For example, for initial loans, calculation of fair value of land or horizontal property: - below €600,000: €100 + VAT

- over €600,000: €150 +VAT

4. Court decision on registration of mortgage prenotation:

(per decision) Lawyers’ fees + VAT

5. Discharge of mortgage prenotation / mortgage: €50

6. Review and examination of request for amendment in the loan contract terms and conditions concerning:

6.1. Extension of loan term (where applicable) €60 (**)

6.2. Change of loan contract terms (currency, interest rate, reduction of loan term,

payment of interests etc.) €150

6.3. Debt repayment facility €150 (*) (**)

6.4. Debt restructuring €150 (*) (**)

6.5. Debt rescheduling €200 (*) (**)

(*) In the case of repayment facility/restructuring/rescheduling of consumer debts only, a 50% discount on the above amounts is offered

(**) N/A to the unemployed. 7. Statement of dues and instalments:

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(plus charge under law 128/75) Loan amount / Term

Working Capital Financing

OPEN BUSINESS PLAN Basic floating rate, as applicable to

financing for working capital 6%

Financing: from €6,000 up to 100% of borrowing requirements / Term: 1 to

4 years, with renewal option

FINANCING FOR WORKING CAPITAL

Basic floating rate, as applicable to

Financing: up to 100% of borrowing requirements / Term: up to 12

months, with renewal option

OVERDRAFT FINANCING Basic floating rate, as applicable to

Financing: up to 100% of borrowing requirements / Term: up to 12

months, with renewal option

FINANCING FOR LONGER TERM WORKING CAPITAL

Fixed rate for 3 years, as applicable

to financing for working capital 6.25% Financing: from €10 up to 100% of borrowing requirements

Term: up to 5 years Basic floating rate, as applicable to

The floating and fixed interest rates for financing of working capital are surcharged with an interest rate margin of 0.50% - 4.75%.

Financing for Fixed Installations and Equipment

FINANCING FOR FIXED INSTALLATIONS AND EQUIPMENT

Fixed rate for 3 years, as applicable to financing for fixed installations

and equipment

6.25%

Financing: up to 75% of expenses Term: depending on the amount and

the financing purpose Basic floating rate, as applicable to

financing for fixed installations and equipment

6%

- BUSINESS MULTILOAN – “DEVELOPMENT” /

- NBG DEVELOPMENT LOAN-3

and equipment

6.25%

Financing: from €10,000 depending on the purpose

Term: up to 15 and/or 25 years, depending on the amount and the

financing purpose.

and equipment

6.35%

and equipment

6.45%

BUSINESS MULTILOAN – “DEVELOPMENT”

Basic floating rate, as applicable to financing for fixed installations and

equipment

6%

The floating and fixed interest rates for financing for fixed installations and equipment are surcharged with an interest rate margin of 0.50% - 4.75%.

BUSINESS MULTILOAN –

“DEVELOPMENT” (For loans

over €100,000 secured by collateralization or pledged funds)

Floating rate for 1 month 1Μ Euribor Financing: from €10,000 depending on the purpose / Term: up to 15 and/or 25 years, depending on the amount and the financing purpose Floating rate for 3 months 3M Euribor

Floating rate for 6 months 6M Euribor

The floating rates Euribor (1Μ, 3Μ, 6Μ) for Business Multiloan – “Development” are surcharged with an interest rate margin of 2.00% - 6.50%.

Other

DIRECT CREDIT CARD-BASED PREPAYMENT OF

INTEREST-Floating 8.60%

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Corporate Banking

(plus charge under law 128/75) Loan amount / term

Working Capital Financing

FINANCING FOR WORKING CAPITAL

Basic floating rate, as applicable to financing for working capital of

Large Enterprises

6%

OVERDRAFT FINANCING

Large Enterprises

6%

Financing for Fixed Installations and Equipment

FINANCING FOR FIXED INSTALLATIONS AND EQUIPMENT

Large Enterprises

6.25%

Other

DIRECT CREDIT CARD-BASED PREPAYMENT OF INTEREST-FREE INSTALLMENTS

Floating 8.60%

Without interest rate margin

The interest rates of loans for large enterprises are surcharged with a negotiable margin, prior to concluding the loan agreement.

Business / Corporate Loans - Remarks

1. Charge under law 128/75: The above interest rates are subject to the charge under law 128/75. 2. Calculation of interest: Interest on non-amortized loans is calculated on an actual/360 day basis. 3. Interest posting: Loan interest is posted biannually (30 June, 31 December), unless otherwise agreed.

4. 1Μ/3Μ/6Μ Euribor: The one/three/six-months interbank rates respectively in Euro, as they stand two (2) business days before the first disbursement date and thereafter two (2) business days before commencement of the interest-posting period of each instalment. Euribor rates and historical data can be viewed at www.euribor-ebf.eu, the Bank of Greece Bulletin of Conjunctural Indicators on the website of the Bank of Greece (www.bankofgreece.gr), and on NBG’s website (www.nbg.gr). The current 3M Euribor is also published in the daily financial press. Historical data are provided on www.euribor-ebf.eu.

If any of the aforesaid rates is lower than the ECB intervention rate, then the ECB intervention rate shall apply.

6. Default Interest: The default rate is determined pursuant to the Bank of Greece Governor’s Act 2393/96, and applicable as of the first day a loan is in arrears, while interest is posted biannually.

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Business Loans – Charges

1. Annual charges for review of requests to set or revise credit limits for SME and Professional financing :

1.1. up to €30,000 €350

1.2. from €30,001 up to €60,000 €500

1.3. from €60,001 up to €100,000 €700

1.4. from €100,001 and over €850

2. Annual charges for review of requests to set/revise/update credit limits for Open Business Plan:

2.1. up to €30,000 €300

2.2. from €30,001 up to €60,000 €350

2.3. from €60,001 up to €100,000 €400

2.4. from €100,001 and over €700

Notes:

- Beneficiaries of “Professional Plus” account are entitled to a 30% discount on Open Business Plan charges.

- Beneficiaries of “Farmers Plus” account are entitled to a discount of €50 on Open Business Plan annual charges (up to €15,000). 3. One-off charges for review of requests for medium/long-term loans for working capital or

fixed installations and equipment / for Business Multiloan – “Development”:

3.1. up to €30,000 €350

3.2 from €30,001 up to €50,000 €550

3.3 from €50,001 up to €100,000 €650

3.4 from €100,001 up to €500,000 €1,050

3.5 from €500,001 and over €1,550

Notes: Beneficiaries of “Professional Plus” account are entitled to a 50% discount on the one-off charges for review of requests for Business Multiloan – “Development”.

3.6 One-off pre-approval charge €100

4. SMEs and Proffessional loans. One-off charges for review of requests for:

4.1. Debt restructuring €200

4.2 Debt rescheduling €100

4.3 Debt new rescheduling €100

4.4 Debt new rescheduling with return-interest bonus €150

Corporate Loans - Charges

5. Annual charges for handling and monitoring of authorized credit limits (irrespective of

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Business / Corporate Banking

Other charges

6. Annual operating and maintenance charges for the monitorng of direct credit card-based

prepayment of interest-free installments €120

7. Sending statement of account relating to business loans:

7.1. Quarterly (Fixed-term loan statement included) Free of charge

7.2. Monthly, upon customer’s request ( Fixed-term loan statement included) €0.90 / month

7.3. Weekly, upon customer’s request €5 / month

7.4. Daily, upon customer’s request €15 / month

Notes: The charges for sending statements do not apply for “Direct Credit Card-Based Repayment of Interest-Free Instalments” and in cases where statement dispatch is the customary procedure under the terms of the contract.

General Remarks

This document includes key rates and charges of the Bank. Please ask at your local branch to obtain information on the terms of other transactions that you may be interested in.

Submission of comments/suggestions/complaints by customers. If you wish to submit any comments/suggestions/complaints, please contact (in the following order):

> The relevant staff at your Branch who will seek to deal with your issue right away. >

NBG’s Customer Service Department: Ypatias 5, 105 57, Athens / Tel.: 800 11 88988 (for domestic calls from a landline) or +30 210 4806100 (for international calls from a cell phone), Monday to Friday, 08:00 – 16:00 / fax: +30 210 3347740 / e-mail: customer.service@nbg.gr

>

Customer Ombudsman: NBG Customer Ombudsman’s Office, 103 – 105 Syngrou Ave., 117 45, Athens, Ethniki General Insurance, Building B, 1st_{floor / Tel.: +30 210 9007500 / Fax: +30 210 9007505 / e-mail: sinigoros@nbg.gr. If you wish to find out more about the}

NBG Customer Ombudsman, just visit the Bank’s website.

Finally, if, despite the mediation of the NBG Customer Ombudsman, your issue has not been satisfactorily resolved, you may contact the Hellenic Ombudsman for Banking – Investment Services: 1, Massalias Str., 10680 Athens, Tel.: +30 210-3376700, fax: +30 210-3238821, e-mail: info@hobis.gr / website: www.hobis.gr.